It's a big decision.If you don't pay off the debt, you'll waste a lot in interest.If you don't invest, you'll miss out on the power of compound interest.
Being in debt is stressful.Examine your debt and the interest it's accumulating. If you're unlikely to get a greater return in the market, you have your case for paying off the debt.
Time in the market is more important than how much you contribute. Think about how much compound interest you could miss out on if you only focus on paying down low-interest debt.